Central Bank of India Q3 update: Advances grow 19.6%, CASA ratio slips

Central Bank of India Ltd. on Monday, Jaunary 5, reported steady balance-sheet growth for the December quarter, with total business rising 15.8% to ₹7.74 lakh crore as of December 31, 2025 from the previous year, supported by healthy expansion in advances and deposits.

In its provisional December quarter business update, the state-owned lender said total deposits increased 13.23% to ₹4.51 lakh crore from the previous year, while the current account savings account (CASA) deposits grew 8.53% to ₹2.12 lakh crore. The slower growth in low-cost deposits led to the CASA ratio easing to 47.12%, from 49.18% a year earlier, a decline of 206 basis points.

On the lending side, gross advances rose 19.57% to ₹3.24 lakh crore, outpacing deposit growth and indicating sustained credit demand. Advances were up 11.61% on a year-to-date basis.

The faster loan growth pushed the bank’s credit-deposit ratio to 72.06%, compared with 68.25% in the year-ago period, an improvement of 381 basis points. Sequentially, the CD ratio rose 153 basis points from March 2025.

The lender said the figures are provisional and subject to review by its statutory central auditors.

Q2 Results

Central Bank of India reported a 32.8% YoY increase in net profit at ₹1,212.8 crore for the July–September quarter of FY25-26, compared to ₹912.8 crore in the same period last year. Total business grew 14.4% YoY to ₹7.38 lakh crore, with advances rising 16% to ₹2.93 lakh crore and deposits up 13.4% to ₹4.44 lakh crore.

The bank’s net interest income (NII) declined 3.7% YoY to ₹3,282 crore, against ₹3,410 crore in Q2 FY25, amid margin pressure. The CASA ratio stood at 46.83%, compared to 48.93% last year. the net NPA fell slightly to 0.48% from 0.49%. The provision coverage ratio (PCR) remained robust at 96.88%.

Following the Q3 business update, shares of Central Bank were trading marginally lower at ₹38.73 as of 11:51 am. The stock has gained 4.91% in the last one month.

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